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In this solo episode of Money Moves, Matty A. reflects on life, business, and investing as we head into Q4. From his personal journey of balancing family, entrepreneurship, and mental health to major market updates—from Fed rate cuts to the rise of gold and crypto—this conversation blends practical wealth-building insights with powerful life lessons.Matty dives into the implications of the government shutdown on economic data, why the U.S. dollar is showing cracks, and how investors are flocking to safe havens like gold and Bitcoin. He also highlights game-changing developments in tokenization, crypto adoption, and commercial real estate, plus shares an inspiring message on overcoming challenges and rising above negativity.If you're looking for both tactical market updates and motivating perspective on the climb to wealth and fulfillment, this episode has it all.What You'll Learn in This Episode[00:00] Matty's reflections on family, presence, and the “good old days”[04:49] Market updates: government shutdown, missing economic data, and Fed outlook[08:42] U.S. deficit concerns, interest rate cuts, and the state of the dollar[11:31] Gold hits record highs and crypto inflows surge[15:20] Tom Lee: Why Ethereum is the “new Wall Street”[22:01] Tokenization of real estate and new investment opportunities[24:05] Self-storage boom and hotel investment challenges[26:36] NAR's forecast: 5–8 rate cuts through 2026 and CRE impact[28:38] Inflation pain points: electricity, groceries, and cost of living[31:03] Why owning assets is the best hedge against uncertainty[33:09] The mental and emotional challenges of wealth-building[36:03] The eagle and crow story: rising above negativityEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text "XRAY" to 844-447-1555
Mary welcomes back Mike Gendron for a timely conversation about compromising the gospel and who is doing what to bring in a so-called unity that could deceive on a broad scale. Who are these, and what is their agenda? We specifically look at an event this week called "Communion America", organized by the NAR and designed to "host God" and "bring down the blood of Jesus" to "heal our land". A mile long communion table is the culmination of their vision for the "church of America". And what church would that be exactly? We show how this is more of a Catholic event than anything, but will the church recognize the wolves? We also discuss that ecumenical agenda that has been building and growing for decades. What is it about the political/religious meld that has many of us on high alert? The perilous slope of a compromised gospel ends with a gospel that cannot save, something the devil is fully aware of. A fascinating hour with a bold apologist. 20% DISCOUNT - Book Link: https://www.proclaimingthegospel.org/page/store#!/Contending-for-the-Gospel/p/141870007 Stand Up For The Truth Videos: https://rumble.com/user/CTRNOnline & https://www.youtube.com/channel/UCgQQSvKiMcglId7oGc5c46A
In this episode the host Jeff walks listeners through a critical examination of the upcoming Communion for America event planned on the National Mall (October 8–11). Using clips from the event organizers' promotional video and commentary from watchdogs like Magical Mystery Church, Jeff explains why he believes the movement is not simply a nationwide Christian revival but a syncretic, Gnostic-influenced operation with dangerous theological and spiritual implications. He covers the event's leaders and influencers (Lou Engle, David Bradshaw, Bill Johnson and others), the movement's ties to the New Apostolic Reformation (NAR), and why its language about "hosting the presence of God," "ripping the veil," and a "better blood message" raises serious concerns. The episode analyzes promotional claims (visions of a banqueting table down the Mall, testimonies of miraculous healings, calls for daily communion and 40–120 day fasting packages), and highlights how programming techniques, hypnotic worship music, and emotional storytelling can prime attendees for powerful spiritual experiences. Jeff contrasts biblical teaching about communion, repentance, and the Holy Spirit with the NAR's emphasis on fresh revelations, apostolic hierarchies, and manifest sons theology. He also outlines historical roots (Kabbalah, British-Israelism, William Branham and latter-rain theology), the Seven Mountain mandate and the convergence of political, religious and occult influences that the host fears could culminate in manipulation or worse. Key moments include detailed breakdowns of the organizers' video, warnings about ecumenical alliances (including Catholic participation), critique of fundraising and crowd-management tactics, and a discussion of how charismatic language—"invoke," "better blood," "loosing the blood"—can be used coercively. The episode closes by urging discernment: not to stoke fear of God, but to call out problematic doctrine and protect the vulnerable. Jeff encourages listeners to research the groups and leaders involved, to prioritize repentance and sound Scripture, and to avoid events if they see coercive or deceitful patterns. The description includes references to sources and YouTube analyses used in the episode (Magical Mystery Church and historical overviews), and notes the host's hope that listeners will engage their communities with biblical truth rather than manipulative movements. Thank you for Listening to Right on Radio. Prayerfully consider supporting Right on Radio. Click Here for all links, Right on Community ROC, Podcast web links, Freebies, Products (healing mushrooms, EMP Protection) Social media, courses and more... https://linktr.ee/RightonRadio Live Right in the Real World! We talk God and Politics, Faith Based Broadcast News, views, Opinions and Attitudes We are Your News Now. Keep the Faith
Every week, new headlines and charts make real estate look either like it's about to skyrocket or crash and burn. In this episode, Ron Phillips unpacks the fearmongering and cherry-picking in foreclosure, mortgage rate, and net worth data. He explains why context matters, how to read beyond the graphs, and where the truth usually lies somewhere in the middle. Instead of falling for polarized narratives, Ron shows how to focus on fundamentals and long-term investing strategies that stand the test of time. WHAT YOU'LL LEARN FROM THIS EPISODE What 2025 foreclosure filings compared to 2009 reveals the real context The truth about sub-3% and 6%+ mortgages and why those charts mislead Why NAR's renter vs homeowner net worth comparison leaves out critical data How to ask the right questions when reviewing market graphs and headlines The one truth that always holds: long-term fundamentals outperform the hype CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter
Ve středu 17. září zaplnilo indický tisk a televize jedno jediné téma. Nebyla to roztržka se Spojenými státy ohledně cel a víz nebo nějaký nový korupční skandál. Byly to 75. narozeniny premiéra Naréndry Módího. Vedle vypočítávání Módího úspěchů a celostránkových gratulací od významných podniků i jednotlivců už ten den nezbylo v indických novinách místo prakticky na nic jiného.
Send us a textThis episode of The Real Estate Roundtable dives deep into the evolving landscape of commercial and residential real estate, framed by the powerful analogy:“Residential realtors are the heart surgeons. Commercial realtors are the brain surgeons.”The roundtable, hosted by Andreas Senie, Dan Wagner, Rebecca Carlson, and Saul, explores how both sectors are undergoing transformation driven by technology, advocacy, and adaptive reuse.Key Themes:Market Momentum & OptimismDespite macroeconomic concerns like a potential government shutdown, the market shows strength with a 3.8% increase in transactions and a 13.9% rise in price per square foot year-over-year.Commercial Innovation & Adaptive ReuseInland Real Estate Group is leading the charge in repurposing old retail spaces into climate-controlled self-storage, investing in student housing, medical offices, and senior living—demonstrating how commercial real estate is reshaping communities.Residential Disruption & MLS EvolutionThe residential sector faces consolidation and litigation, yet the MLS remains a cornerstone of transparency and liquidity. International interest in MLS-like systems is growing, with the launch of the Global Data Exchange (GDX).Technology & AI IntegrationAI is enhancing workflows but must be layered with human expertise. The episode emphasizes building a secure, integrated tech stack to maintain competitive advantage and fiduciary responsibility.Advocacy & Industry DefenseRealtor associations are portrayed as essential defenders against harmful legislation—from natural gas bans to attacks on the 1031 exchange. RPAC and NAR are highlighted as powerful forces in shaping policy.Placemaking & PurposeA new generation of professionals is embracing real estate as a tool for community building and environmental impact, aligning with seasoned experts in a shared mission of sustainable development.Highlights"MLS really is a miracle. The concept and the idea that you can, that real estate's almost a liquid asset, that you can put it on the market and within 45 days, you can turn it into cash. That's pretty amazing."-- Saul"under all is the land, and we all benefit from the widest distribution of real estate ownership, because if people own real estate, they have a stake in the system."-- 《the preamble to the code of ethics of the National Association of Realtors》Dan"You cannot trust it to do the work for you if it will or could do it wrong and make you look very bad."-- Andreas "Don't put all your eggs in one basket." --Rebekah"who you buy with is everything, who you invest with is everything."-- Dan"there's nothing more powerful than the NAR"-- Dan "using real estate as the vehicle to do that."-- Becca"Residential Real Estate is heart surgery. Residential realtors are the heart surgeons. Commercial Brokers/realtors are the brain surgeons."-- Andreas About CRECo.ai Roundtable: CRECo.ai Presents: The Real Estate Roundtable: Your all-in-one comprehensive view of what's happening across the real estate industry -- straight from some of the industry's earliest technology adopters and foremost experts.Don't forget to subscribe to our YouTube channel where there is a host of additional great content and to visit CRECo.ai the Commercial Real Estate Industry's all-in-one dashboard to connect, research, execute, and collaborate online CRECo.ai. Please be sure to share, rate, and review us it really does help! Learn more at : https://welcome.creco.ai/reroundtable
Send us a textHuge news in the real estate market! Compass is buying Anywhere brands.We will look at the recent merger announcement between Compass and Anywhere with guest Colton Lindsay, a recognized real estate expert from Utah. We will explore the implications of this merger, the debt crisis facing the parties, and the importance of data in shaping the deal. Our conversation will also touch on generational changes in the industry, the role of AI, and the challenges of fair housing and market access presented by the merger. Colton provides insights on what real estate agents should focus on in this evolving landscape and shares predictions for the future of brokerages.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.
This week on the podcast we're welcoming Moses Hall & Myra Nimchaiyong to recap NAR's C5 Conference which recently took place in Chicago. They break down their favorite moments including how it helps you grow your network and how AI will be used to make your businesses better in the future.
Na Rádio Rural de Natal, o quadro Bem-Estar e Saúde também conta com a participação da fonoaudióloga Luiza Flora, que traz informações e orientações sobre saúde vocal, comunicação e qualidade de vida.
O recinto feiral do Trece, na parroquia de Sedes, acollerá este domingo unha nova edición, a trixésimo cuarta, da Feira do mel e produción primaria. A edil de Feiras, Mar Gómez, e o delegado da Asociación Galega de Apicultura en Ferrolterra, Rafael Díaz, presentaron a convocatoria. A feira contará cunha trintena de postos de venda de mel, queixo e outros produtos e abrirá de 11:00 a 14:00 e de 16:00 a 20:00 horas, con entrada de balde. Na convocatoria participarán un ano máis varios gañadores do prestixioso certame “Mel Cinco Estrelas”-entre eles algúns veciños de Narón e doutros puntos de Galicia- o que suporá contar cunha inmellorable representación do mellor mel galego, segundo indicou Díaz. Dende AGA alertaron sobre o importante descenso na produción debido á proliferación da avespa velutina nesta zona. A feira abrirá ás 11:00 horas e ás 12:00 haberá un relatorio técnico, “Chegar e encher”, que impartirá o patrón maior da Confraría de Pescadores de Ferrol. Ás 12.30 horas dará comezo unha demostración culinaria e degustación de produtos do mar, a cargo da citada confraría e ás 13:00 desenvolverase outra de elaboracións con mel. A continuación, entre as 13:30 e as 14:00 haberá unha sesión vermú e ata as 16:00 pecharase o recinto. Pola tarde reabrirá a feira ás 16.00 horas e ás 18:00 haberá un novo relatorio técnico, neste caso sobre “Como evitar o risco da avespa asiática no rural”, a cargo de Rafael Díaz, técnico apícola de AGA. Ás 19:00 haberá un magosto popular. Durante todo o día, a media mañá e a media tarde, haberá obradoiros infantís para elaborar produtos con cera, de debuxo.... A maiores, ao longo da xornada levaranse a cabo degustacións de balde de pan e queixo do país con INFORMACIÓN Á PRENSA Gabinete de Comunicación do Concello de Narón Praza de Galicia, s/n (15570) NARÓN Teléfono: 981 33 77 00 Ext.- 1202 comunicacion@naron.gal mel Cinco estrelas (de 12:00 a 13:00 e pola tarde dende as 17:00 ata as 19:00 horas). Así mesmo, haberá actividades divulgativas durante todo o día no posto informativo de AGA e sortearanse cestos con produtos da feira entre as persoas asistentes. A concelleira de Feiras animou ás veciñas e veciños a achegarse ao recinto do Trece este domingo para desfrutar desta feira, participando nas actividades, nos obradoiros e tamén escoitando os relatorios de profesionais no sector do mel e da alimentación. Gómez avanzou que a maiores dos postos de venda de mel haberá outros de alimentación e artesanía.
Welcome back to America's #1 Daily Podcast, featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris? Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!
Polnische Unternehmen erobern den deutschen Markt. "Sztuka i Naród" war ein Protest gegen Passivität - Hintergründe zur einzigen unabhängigen Kulturzeitschrift im besetzten Polen. Initiativen für Auslandspolen in Rheinland-Pfalz. Mehr dazu im aktuellen Infomagazin.
It has been 16 days since the political assassination of Turning Point founder Charlie Kirk, and America is still struggling to put all the pieces in place to make it make sense, but to no avail. It's a rabbit hole that changes shape the more time you spend in it, but one thing is for sure. Charlie left behind a massive, multimillion dollar empire that helped elect a president and just may now be used to usher in a theocracy in America. Asking if this is good or bad is not the question, the question is who sits on the 7 mountains?“And here is the mind which hath wisdom. The seven heads are seven mountains, on which the woman sitteth. For God hath put in their hearts to fulfil his will, and to agree, and give their kingdom unto the beast, until the words of God shall be fulfilled.” Revelation 17:9,17 (KJB)On this episode of the Prophecy News Podcast, this will be, by far, one of the toughest podcasts we've ever had to do as it will undoubtedly push just about everyone's buttons today in some form or another. The relentless onslaught of the never-ending news cycle has, by now, elevated Charlie Kirk to nearly the level of Roman Catholic sainthood which, truth be told, is not as wacky as you might think it would be. Charlie Kirk was a true patriot, no doubt about that, and he was an outspoken witness for Jesus Christ, no doubt about that, either. But the true weight of his legacy is far more complex than how it appears on the surface. Charlie Kirk was deeply embedded with radical factions of the New Apostolic Reformation, he was a ‘true believer' in the 7 Mountains Mandate, and as you will hear him say, President Donald Trump is onboard with all of it. The New Apostolic Reformation believes they have a holy mandate to seize control of America to bring in the Kingdom of Heaven. Charlie Kirk believed that, and now the empire he left behind will be leveraged to attempt to bring it to pass. We have the proof, and today you will see it and hear it for yourself.
US-Präsident Donald Trump droht Medien, Journalistinnen und Journalisten, politischen Gegnern. Er verschärft die Regeln für ausländische Korrespondenten und sorgt so für große Verunsicherung. Zugleich tobt in den USA die Debatte über Meinungsfreiheit, politische Gewalt und die Rolle der Medien. Auch die Vereinten Nationen geraten ins Kreuzfeuer: Trump attackiert sie in New York frontal, spricht über Reformstau und nationale Interessen – und sendet widersprüchliche Signale in Richtung Ukraine. Wie bedroht ist die Pressefreiheit in Amerika wirklich? Erlebt die US-Demokratie einen existenziellen Stresstest? Was bedeuten Trumps doppelten Standards im Umgang mit politischer Gewalt? Und welche Lehren lassen sich aus der Polarisierung und den religiösen Gegensätzen in den USA ziehen? Ulf Röller diskutiert mit Nicola Albrecht und Elmar Theveßen über Drohungen gegen Reporter, über Fehler und Verantwortung im Journalismus, über den Auftritt von Erika Kirk und Donald Trump bei der Trauerfeier für Charlie Kirk, über die Schwächen und Chancen der UNO, Trumps Haltung zur Ukraine – und über das Ringen um Meinungsfreiheit in den Vereinigten Staaten. Aufgezeichnet haben wir diese Folge am 25. September 2025 um 18 Uhr. _ Anregungen, Kommentare oder Kritik gerne per Mail an: auslandsjournalpodcast@zdf.de ZDF-”auslandsjournal – der Podcast” - ‘Der Trump Effekt' ist eine Produktion von BosePark Productions im Auftrag des ZDF-auslandsjournal. Lead Producerin: Miki Sič Redaktion: Jelena Berner, Laila Mehlis Schnitt und Sound: Alexander von Bargen Executive Producer:innen: Su Holder & Chris Guse ZDF auslandsjournal: Narîn Şevîn Doğan, Christian Semm Leiterin ZDF auslandsjournal: Stefanie Schoeneborn ZDF Hauptredaktion Audience: Corinna Meisenbach
Con la delegada territorial de la Xunta en Ferrol, Martina Aneiros, repasamos hoy diversos asuntos de interés para la comarca. Entre los temas destacados, Aneiros subrayó la puesta en marcha del programa piloto de vacunación antigripal en centros educativos, una iniciativa que busca reforzar la prevención entre la población más joven. También detalló las medidas de prevención y lucha contra los incendios forestales, que se intensifican en esta época del año. En materia de medio ambiente, la representante autonómica recordó la convocatoria de ayudas a los concellos para la gestión de residuos, con el objetivo de impulsar la economía circular y la sostenibilidad local. Asimismo, anunció avances en el proyecto de construcción de 91 viviendas de protección pública en Narón, una iniciativa clave para atender la demanda residencial en el área. La agenda de infraestructuras incluyó la presentación de la nueva senda peatonal en Ortigueira, destinada a mejorar la movilidad y la seguridad vial, y la resolución de las ayudas del Plan Camiña Rural 2025-26, que buscan dinamizar el tejido económico y social de los municipios rurales. Por último, Aneiros informó sobre el recurso de inconstitucionalidad presentado por la Xunta contra la ley de acompañamiento de los Presupuestos del Estado en lo relativo a los ámbitos de la dependencia y del sector eólico, al considerar que invade competencias autonómicas.
Send us a textOn September 17, I had the opportunity to record Dishin' Dirt live onstage at SCR's REALTOR Mania. My guest was Jon Waclawski, General Counsel, Senior Vice President for NAR. We discussed everything from the status of legal cases against NAR, the good and bad of Sitzer/Burnett, Clear Cooperation, In-House Listings, the Three-way agreement, MLS rules and a whole lot more. Listen to hear what is going on at NAR in the legal sense. Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.
Real Estate Insights: Legal Battles, Market Analysis & Property ReviewsIn this episode, the ongoing legal conflicts impacting major real estate players like Zillow and Compass, including antitrust issues, market transparency, and their implications on consumers and the industry. We then explore the operational dynamics within the National Association of Realtors (NAR) and its influence on real estate practices. Finally, we review several properties currently on the market, providing an in-depth analysis of their value, location, and potential investment opportunities. NAR has ‘bled Realtors dry,' new antitrust suit allegesThe kingdoms are amassing their armies... of lawyers NAR has ‘bled Realtors dry,' new antitrust suit allegesZillow to Compass: We're not legally required to work with youREO of the Week Apple Home of the week Mountain View home of the week FREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/HomebuyerchecklistHome Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklist00:00 Introduction: Political and Real Estate Turmoil01:14 Zillow's Business Practices Under Scrutiny03:31 Compass and Market Transparency04:46 NAR and Realtor Associations: Monopoly and Antitrust Concerns07:29 The Cost of Doing Business as a Realtor08:55 Property Listings Review: Market Analysis12:08 Cupertino and Mountain View Property Highlights14:25 Market Trends and Final Thoughts
The real estate world is on fire this week: billion-dollar deals, lawsuits shaking the industry, and a housing market at a crossroads. Here's what we're breaking down: ⚖️ Zillow in Court — A new class-action lawsuit takes direct aim at Flex and Premier Agent. If it sticks, Zillow's lead-gen empire could be in serious jeopardy.
One of the facets of being a Christian is that we are made to worship the Living God. When coming out of the NAR, knowing how to worship God in light of His Word can be challenging to navigate, as one is detoxing from emotionalism and unbiblical practices. How do we worship after leaving this movement?Join me as we consider this topic by considering a helpful teaching on this important aspect of our Christian faith. Resource:The Marks of Spirit-Led Worship: https://youtu.be/NXXCqza6Yf0?si=jscfq20ItgG-FkvDMy info:Website: http://www.lovesickscribe.comSubscribe to my blog here: http://eepurl.com/dfZ-uHInstagram: https://www.instagram.com/lovesickscribe/Facebook: https://www.facebook.com/lovesickscribeblog
„Je to dôležitý krok, no bez skutkov je to hoci symbolické no prázdne gesto“, hovorí o Attila Kovács, odborník na oblasť z Komenského univerzity v Bratislave. Naráža na rastúcu podporu pre palestínsku štátnosť zo strany medzinárodného spoločenstva. „Mali by učiniť kroky na obmedzenie dodávok zbraní pre Izrael, či blokovať prístavy s týmto cieľom“, dopĺňa. Žiadalo by sa podľa neho zbrojné embargo. Medzi prvými zo strany Spojených štátov, ako najväčšieho dodávateľa vojenskej techniky pre Izrael. „A to je kameň úrazu“, konštatuje arabista Kovács.Na jednej strane rastúca podpora pre uznanie nezávislej štátnosti pre Palestínu zo strany svetového spoločenstva, na druhej stret s realitou: Netanjahu a jeho vojenský aparát akoby rastúcu podporu pre Palestínu prehliadali a pokračujú vo svojej misii vyhladiť Hamas aj za cenu genocídy civilného obyvateľstva. Naviac – jeho spojenec Donald Trump označuje uznanie palestínskej štátnosti za „odmenu“ pre radikálny Hamas s jeho atrocitami zo 7. októbra spred dvoch rokov. Generálny sekretár OSN António Guterres ale pri riešení na pôdoryse dvoch štátov hovorí pri štátnosti ako o „práve“ Palestínčanov, nie o odmene teroristom Hamasu. A ak na jednej strane rastie volanie po mieri, na druhej chýbajú kroky, ktoré by boli jeho predpokladom – medzi nimi koniec vojenskej podpory pre Izrael, upozorňujú pozorovatelia. Čo bude s vojnou Izraela s radikálmi Hamasu po newyorskom Valnom zhromaždení OSN? Nenaplnia sa slová amerického prezidenta Trumpa, že „prázdne slová neriešia vojny?“Téma pre Attilu Kovácsa, odborníka na región z Univerzity Komenského v Bratislave. „Je to dôležitý krok, no bez skutkov je to hoci symbolické no prázdne gesto“, hovoríAttila Kovács, odborník na oblasť z Univerzity Komenského v Bratislave. Naráža na rastúcu podporu pre palestínsku štátnosť zo strany medzinárodného spoločenstva. „Mali by učiniť kroky na obmedzenie dodávok zbraní pre Izrael, či blokovať prístavy s týmto cieľom“, dopĺňa. Žiadalo by sa podľa neho zbrojné embargo. Medzi prvými zo strany Spojených štátov, ako najväčšieho dodávateľa vojenskej techniky pre Izrael. „A to je kameň úrazu“, konštatuje arabista Kovács. Za príklad dáva Nemecko, ktoré k obmedzeniu pristúpilo. Podcast pripravil Jaroslav Barborák.
„Je to dôležitý krok, no bez skutkov je to hoci symbolické no prázdne gesto“, hovorí o Attila Kovács, odborník na oblasť z Komenského univerzity v Bratislave. Naráža na rastúcu podporu pre palestínsku štátnosť zo strany medzinárodného spoločenstva. „Mali by učiniť kroky na obmedzenie dodávok zbraní pre Izrael, či blokovať prístavy s týmto cieľom“, dopĺňa. Žiadalo by sa podľa neho zbrojné embargo. Medzi prvými zo strany Spojených štátov, ako najväčšieho dodávateľa vojenskej techniky pre Izrael. „A to je kameň úrazu“, konštatuje arabista Kovács.Na jednej strane rastúca podpora pre uznanie nezávislej štátnosti pre Palestínu zo strany svetového spoločenstva, na druhej stret s realitou: Netanjahu a jeho vojenský aparát akoby rastúcu podporu pre Palestínu prehliadali a pokračujú vo svojej misii vyhladiť Hamas aj za cenu genocídy civilného obyvateľstva. Naviac – jeho spojenec Donald Trump označuje uznanie palestínskej štátnosti za „odmenu“ pre radikálny Hamas s jeho atrocitami zo 7. októbra spred dvoch rokov. Generálny sekretár OSN António Guterres ale pri riešení na pôdoryse dvoch štátov hovorí pri štátnosti ako o „práve“ Palestínčanov, nie o odmene teroristom Hamasu. A ak na jednej strane rastie volanie po mieri, na druhej chýbajú kroky, ktoré by boli jeho predpokladom – medzi nimi koniec vojenskej podpory pre Izrael, upozorňujú pozorovatelia. Čo bude s vojnou Izraela s radikálmi Hamasu po newyorskom Valnom zhromaždení OSN? Nenaplnia sa slová amerického prezidenta Trumpa, že „prázdne slová neriešia vojny?“Téma pre Attilu Kovácsa, odborníka na región z Univerzity Komenského v Bratislave. „Je to dôležitý krok, no bez skutkov je to hoci symbolické no prázdne gesto“, hovoríAttila Kovács, odborník na oblasť z Univerzity Komenského v Bratislave. Naráža na rastúcu podporu pre palestínsku štátnosť zo strany medzinárodného spoločenstva. „Mali by učiniť kroky na obmedzenie dodávok zbraní pre Izrael, či blokovať prístavy s týmto cieľom“, dopĺňa. Žiadalo by sa podľa neho zbrojné embargo. Medzi prvými zo strany Spojených štátov, ako najväčšieho dodávateľa vojenskej techniky pre Izrael. „A to je kameň úrazu“, konštatuje arabista Kovács. Za príklad dáva Nemecko, ktoré k obmedzeniu pristúpilo. Podcast pripravil Jaroslav Barborák.
In this episode of "The People That Titles Podcast," hosts Steve Kaempf and Matt Lombardi discuss Compass's acquisition of Anywhere Real Estate, exploring its impact on private listings, agent empowerment, and brand integration. They also cover the Federal Reserve's recent interest rate cut, the “Saving the American Dream Act,” and insights on NAR's new leadership.Compass Acquires Anywhere Real Estate (00:00:00)Market Reacti0n and Deal Details (00:01:30)Leadership Comments and Brand Integration (00:03:00)Private Listings Debate (00:04:00)Agent Empowerment and Company Culture (00:05:49)Brand Legacy and Agent Decisions (00:06:50)Federal Reserve Rate Cut (00:08:00)Economic Factors and Mortgage Rates (00:08:53)Saving the American Dream Act (00:11:23)Industry Support and Government Modernization (00:13:10)NAR CEO Nakia Wright's Vision (00:14:09)NAR Advocacy and Member Support (00:17:01)Communication Challenges and Looking Ahead (00:19:08)American Real Estate Association Growth (00:20:47)Zillow Lawsuit: Flex Referral Program (00:22:51)Alleged Buyer Deception and Commission Impact (00:24:19)Zillow's Response and Industry Impact (00:25:29)NAR 2025 Technology Survey Highlights (00:26:49)AI and Technology Adoption in Real Estate (00:30:13)Cryptocurrency in Real Estate (00:31:46)NAR Membership and Technology's Future (00:32:44)Podcast Guest: Mike Anselmo Interview (00:33:57)Chicago Sports Recap: Bears, Browns, Cubs (00:34:18)Podcast Closing and Sponsor Message (00:36:49)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...
Ferrol, Narón y Neda se preparan del 13 al 16 de octubre para acoger la primera edición gallega de la Semana de la Moda organizada por ANDE (Asociación de Jóvenes y Nuevos Diseñadores Españoles). Esta cita servirá como fase autonómica de la trigésimo novena edición de los Premios Nacionales a la Moda para Jóvenes Diseñadores. El evento culminará el 16 de octubre con un gran desfile en la fábrica de Galicia Textil, en Neda, donde se elegirá al primer ganador gallego que representará a la comunidad en la fase nacional, prevista para marzo en Madrid. La convocatoria está dirigida a diseñadores menores de 30 años, estudiantes de Diseño de Moda o Bellas Artes que hayan superado al menos el primer curso, con colecciones de un mínimo de seis diseños, priorizando la sostenibilidad. Durante los cuatro días de programación se desarrollará un completo programa de actividades: en Ferrol, el Campus Industrial de la Universidade da Coruña acogerá una exhibición de proyectos de emprendimiento y una mesa redonda sobre el sector de la moda, mientras que la tienda CHAVS ofrecerá charlas abiertas al público. En Narón se celebrará un taller práctico de patronaje y diseño contemporáneo dirigido a jóvenes creadores. Además, la Semana contará con sesiones de networking, un market de marcas emergentes y demostraciones en directo. La Semana de la Moda de ANDE busca impulsar la proyección de nuevos talentos, apoyar la creatividad y fomentar la innovación en el sector de la moda gallego, ofreciendo a los jóvenes diseñadores oportunidades reales para desarrollar y dar a conocer sus colecciones a nivel nacional. Paralelamente, desde ayer y hasta el 2 de octubre, el cine Odeón acoge una exposición relacionada con el evento, complementando así la programación cultural de esta primera edición gallega.
Na Rádio Rural de Natal, o quadro Bem-Estar e Saúde também conta com a participação da psicoterapeuta Ana Augusta Moreira, que traz reflexões e orientações sobre saúde mental, equilíbrio emocional e qualidade de vida.
For a long time, buyer representation was an afterthought. Agents leaned on MLS commission notes, dodged tough conversations about compensation, and hoped clients would just go along. But after the NAR settlement, that safety net vanished. Now, if we can't clearly show our value and lock in a signed buyer rep agreement, we're at risk of losing clients, income, and even putting ourselves in a legal bind. Here's the twist: AI isn't just a cool extra. When we use it right, it can be our sharpest edge in this new reality. With ChatGPT, predictive analytics, and the right prompts, we can turn overwhelming data on housing, lending, and demographics into clear strategies that win agreements, build loyalty, and boost productivity. The good news? We can make sure buyers sign those agreements, and more often than not, clients will be happy to compensate us when they see the value we bring. So how do we get buyers to say yes without hesitation? What's the secret to making compensation a non-issue? How can AI help us deliver so much value that signing an agreement feels like the obvious choice? I sat down with the team at Showami to dig into how to start using AI-powered research, prompts, and predictive marketing to build a buyer assistant that works harder than any assistant you could hire. When I schedule the buyer consultation, I want to overwhelm them with data and tell them things no other agent has. I want them to see me as the value-add. That will make them sign the buyer representation agreement. -Marki Lemons Ryhal Things You'll Learn In This Episode The true value of buyer representationAgents who secure signed agreements with offers of compensation often walk away earning more than the listing side. What's the mindset shift that makes buyers eager to sign and pay? AI as your buyer's assistantChatGPT and predictive tools can turn raw housing data into clear, client-ready strategies. How can you use this to prove your value and speed up the agreement process? Niche strategies that actually workThe riches are in the niches, whether it's single men with pets or buyers leveraging down payment grants. Which overlooked markets can you tap into that others are ignoring? Choose the right market, avoid the wrong battlesMany agents chase saturated neighborhoods or get stuck in areas with slow sales and tough barriers to entry. How do you identify the markets where you can actually dominate instead of struggle? About Your Host Marki Lemons Ryhal is a Licensed Managing Broker, REALTOR® and avid volunteer. She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine. Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!
Na Rádio Rural de Natal, o quadro Bem-Estar e Saúde também conta com a participação da fonoaudióloga Luiza Flora, que traz informações e orientações sobre saúde vocal, comunicação e qualidade de vida.
Prophetic News Radio-Jackie Alnor and I discuss William Branham and Nar-previously recorded
Send us a textIn this abbreviated episode of Dishin' Dirt, I will discuss the other side of the coin in the builder agent debate. I will talk about the fiduciary duty that buyer agents have in a new construction transaction. Quit dropping off your clients and leaving! Why do I even have to say this.And then I will shift gears to explain the implications of the new FinCEN reporting requirements and urge agents to stay informed and compliant to protect their licenses and clients.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.
Buckle up for this episode of Killin' It in Real Estate! Christy Manetta sits down with powerhouse leader Chris Beadling to talk all things NAR, leadership growth, and the unexpected ways that real estate business connections can turn into real friendships. Chris shares how his journey through leadership has evolved over the years, while Christy reflects on how their paths—and laughs—have intertwined. And speaking of laughs… you won't want to miss the story of their flight to Chicago for the NAR Leadership Summit, where screwdrivers and tequila sunrises became the secret weapons against Christy's fear of flying. It's leadership, friendship, and a whole lot of fun—real estate style!
„Jsem člověk, který nezdravě riskuje,“ říká o sobě cestovatelka Michaela Hrdá. Naráží přitom na skutečnost, že se za svou dosavadní dráhu světoběžnice dostala do řady krajních situací; někdy jim prý šla sama tak trochu naproti. Přičítá to ADHD, kvůli němuž nepociťuje strach jako jiní lidé. V zahraničí už zažila několik loupežných přepadení, strženou lavinu, o ztracených zavazadlech nemluvě. Své často adrenalinové zážitky i přešlapy se proto rozhodla shrnout v knize Průsery na cestách a jak je přežít. Nejen na ni přišla řeč v nové epizodě podcastu Slepá mapa.
Radicalization, and the Minnesota Murder Cases John Collins grew up inside William Branham's “Message” world, left it, then spent years mapping how the theology and network morphed into today's authoritarian ecosystems. I welcomed him back to The Influence Continuum to speak about the murders and share his knowledge surrounding the twisted networks of doctrine and influence that may have influenced them. Collins' most recent book is Weaponized Religion: From Christian Identity to the NAR. Author and webmaster of William Branham: Historical Research, John was born and raised in William Branham's “The Message” cult following and is the grandson of Willard Collins, former pastor of William Branham's “Branham Tabernacle” in Jeffersonville, Indiana. When we did the recording and broke the story about Boelter's link to the extremist group, we got a message on my YouTube from Boelter's former baseball buddy and floormate at college, who witnessed his radicalization. Jeff Petricka consented to a recorded interview on my YouTube channel. John's story hits an essential point about brainwashing while growing up. He was taught such an extremist form of obedience that he was told if Branham said the sky was pink, his eyes were wrong. He was corporally punished regularly. He told me leaving felt like being air-dropped from a North Korean camp into the United States, where nothing is familiar. His deconstruction took years. With human resilience and persistence, John worked to heal himself and help others. John was told stringed instruments were “of the devil.” Today, he keeps his drums in the frame and every video on purpose, and I can see at least 8 (if not more!) stringed instruments on his wall. A really important interview! Learn more about your ad choices. Visit megaphone.fm/adchoices
#584 Think you know it all when it comes to first-time home buying? Think again! In this episode, host Brien Gearin is joined by real estate expert and first-time homebuyer advocate David Sidoni, founder of How to Buy a Home. David shares his journey from showbiz to real estate, his mission to help underserved first-time buyers, and the misconceptions that hold many back — like the myth that you need 20% down. He also breaks down how self-employed entrepreneurs can navigate home buying, the impact of recent real estate commission changes, and why working with the right team is critical. Whether you're a future homebuyer or just love smart business insights, this episode is packed with eye-opening advice! (Original Air Date - 2/10/25) What we discuss with David: + Myth: You need 20% down – Not true for first-time buyers + Debt-to-income explained – Lenders assess monthly payments, not total debt + Entrepreneurs & mortgages – Self-employed buyers need strategic planning + Start earlier than you think – Many buy months sooner than expected + First-time buyers are ignored – Most agents prioritize higher-value clients + Scaling a niche business – How David built a national agent network + NAR lawsuit impact – Buyer commissions remain mostly unchanged + Renting vs. buying costs – Long-term financial growth matters + Choosing the right team – A great realtor & lender are key + From showbiz to real estate – David's journey to homebuyer advocacy Thank you, David! Check out How to Buy a Home at HowtoBuyaHome.com. Listen to the How to Buy a Home Podcast. Follow David on Instagram, LinkedIn, TikTok, Twitter, and YouTube. Watch the video podcast of this episode! To get access to our FREE Business Training course go to MillionaireUniversity.com/training. And follow us on: Instagram Facebook Tik Tok Youtube Twitter To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Want to hear from more incredible entrepreneurs? Check out all of our interviews here! Learn more about your ad choices. Visit megaphone.fm/adchoices
Li Amedê, li gondê Çolî, di 19ê Tebaxê de zarokeke 9 salî wunda bû, navê wê Narin Guran bû. Meytê wê piştî 18 rojan di newalek de hate dîtin. Dayika wê Yuksel, birayê wê Enes (19), Apê Salim Guran, bi sûcê kuştina Narînê bi hetahetayê hatin cezakirin.
Paul Cecil of ReAlpha shares how AI, commission rebates, and acquisitions are disrupting home buying—and what it means for buyers and investors.In this episode of RealDealChat, Jack sits down with Paul Cecil, President of ReAlpha (NASDAQ: AIRE), to discuss how his company is transforming real estate through AI and innovative business models.Paul explains how ReAlpha offers up to 80% of the buy-side commission back to buyers, why technology can make homes more affordable, and how acquisitions are helping them build an end-to-end home buying platform.Here's what you'll learn in this conversation:How AI assistant “Claire” helps homebuyers search, ask questions & compare propertiesWhy ReAlpha passes up to 80% of commissions back to buyersHow commission rebates can lower interest rates, fund closing costs, or even buy furnitureThe impact of the NAR lawsuit on real estate commissionsWhy 86% of renters can afford to buy (and how ReAlpha helps them get there)Current market challenges: record-high prices, aging buyers, and affordability crisisHow acquisitions in mortgage, title & tech build a seamless buyer experienceLessons from going public on NASDAQ and pivoting business modelsWhy investors should embrace tech instead of ignoring it
Real estate, People Not Titles podcast, Land Trust Title Services, Steve Kaempf, Matt Lombardi, economic news, August jobs report, job growth, unemployment, stagflation, Federal Reserve, interest rates, housing market, home prices, foreclosures, affordability, leadership changes, Compass, Ethan Glass, antitrust litigation, consumer spending, luxury homes, market trends, Zillow lawsuit, NAR, legal challenges, Lou Italia, Remax Premier, Compass, Chicago real estate, COVID-19 impact.Introduction & Podcast Purpose (00:00:00)August Jobs Report & Economic Overview (00:01:13)Manufacturing & Wage Trends (00:02:50)Stagflation Explained & Fed Rate Cuts (00:03:44)Political Reactions & BLS Data Revisions (00:04:52)Opportunities for Real Estate Professionals (00:06:45)Housing Market Downturn & Consumer Confidence (00:08:21)Homebuilder Incentives & Market Anomalies (00:09:34)Affordability Crisis & Potential Solutions (00:11:11)Long-Term Homeownership Perspective (00:12:12)Leadership Changes at Compass & MLS Strategy (00:13:10)NAR Consultant Hires & Industry Outreach (00:15:02)Zillow Copyright Lawsuit & Photo Takedown (00:17:50)Rise of the American Real Estate Association (00:19:24)Texas Broker Lawsuit Against NAR (00:22:18)Remax Premier Acquires Compass Offices (00:23:50)Brokerage Transitions & Agent Choices (00:27:11)Chicago Bears Game Recap & Sports Segment (00:28:05)Podcast Closing & Sponsor Message (00:30:38)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...
This week on tWiRE Podcast (Episode 332) we're covering the biggest headlines shaking up the housing market, mortgage trends, and real estate industry power moves. From Zillow's copyright war with CoStar to Dave Ramsey calling out “morons” in the influencer world, this episode dives deep into what agents, buyers, and investors need to know right now.
In this episode, Dr. Michael Easley welcomes Holly Pivec and R. Douglas Geivett to discuss the New Apostolic Reformation (NAR) and their book Counterfeit Kingdom. The conversation unpacks how NAR leaders redefine apostleship, distort biblical terminology, and promote teachings that undermine the gospel. Holly and Doug explain how NAR apostles claim authority and revelation outside of Scripture, creating fear of demonic attack for those who refuse to submit. They highlight how this movement distorts the gospel by shifting the focus from Christ's finished work on the cross to dominion theology, signs, and wonders. The guests also address the dangers of Bethel music as a vehicle for spreading NAR doctrine, the redefinition of prayer into declarations and decrees, and the damage caused by false prophecies and failed miracles. They describe how NAR teaching fuels church splits, damages marriages, and divides families, all while advancing a Seven Mountain Mandate that seeks control over major areas of society. Dr. Easley, Holly, and Doug caution listeners to recognize these counterfeit teachings and cling to the authority of Scripture. This episode calls believers to remain vigilant, discerning, and grounded in the truth of the gospel. Takeaways: NAR leaders redefine apostleship and claim authority not found in Scripture. Fear of demonic attack is used to keep followers under apostolic “covering.” The movement distorts the gospel, emphasizing dominion and miracles over Christ's cross. Bethel music spreads NAR doctrine globally under the guise of worship. NAR's Seven Mountain Mandate seeks cultural and political dominance. LINKS MENTIONED: Counterfeit Kingdom by R. Douglas Geivett and Holly Pivec Watch the highlights and full version of this interview on our Youtube channel. For more inContext interviews, click here.
Hosts Tonia Vailas, MAI, AI-GRS, and Warren Boizot, SRA, AI-RRS, look back at the most memorable moments from Season 3 of Face Value. From appraising vineyards and wineries (yes, wine-tasting was part of the job) to exploring the challenges of stigmatized properties like the Chris Watts house, this episode highlights the insights, stories, and laughter that made the season unforgettable.You'll also revisit conversations on the NAR settlement's impact, the value of landscaping, and the profession's human side—from coast-to-coast networking to family appraisal legacies.Catch the highlights, hear the hosts' favorites, and discover your own standout moments from an incredible season.
Buying or selling a home is one of the most highly regulated transactions in a person's life. In this episode, Shannon and Patrick unpack the complex world of real estate regulations - exploring what they mean for NAR members, how they affect consumers and the role NAR's advocacy team plays in shaping them. Wherever you practice real estate, chances are the National Association of REALTORS®, along with your state and local associations, has influenced how your state's real estate regulations are put into practice.
The housing market just dropped a week of headlines too big to ignore: NAR vs. Mauricio Umansky: A new legal filing takes aim at the PLS platform. Glenn Kelman: Why Redfin's CEO is still betting on W-2 agents despite layoffs. Mortgage Rates: Down to 6.52% after Powell's Jackson Hole speech, the lowest in 10 months. Market Trends: Pending sales tick up, but cancellations hit record highs. Buyers are retreating — and now sellers are too. Regional Shifts: Vacation towns stall, Las Vegas inventory spikes 31%, and San Francisco becomes the only major metro where housing costs have “returned to normal.” Affordability Crisis: Millennials and Gen Z slash restaurant spending, even skip meals, just to pay rent. Industry Buzz: Is it finally time to retire the old “Date the Rate, Marry the House” slogan?
Feasting on the Bible daily through reading and studying is vital for us as Christians. However, there can be numerous reasons that we have as to why we do not take the time to abide in His Word daily. Time in God's Word can seem dry if we do not have a feeling or an experience to accompany it. We may even be intimidated to read God's Word after leaving the NAR, in fear that we will not understand it properly. Be encouraged, dear Christian! Abiding in God's Word is part of your fellowship with Him, and it is easier than you think.Join me along with Cass Backhouse from Her Theology, as we discuss this important topic.Her Theology:Website: https://www.hertheology.comPodcast: https://www.theology.com/podcastInstagram: https://instagram.com/hertheologyYouTube: https://youtube.com/@hertheologypodcast?si=OZnWPtZjLX7CY_-jMy info:Website: http://www.lovesickscribe.comSubscribe to my blog here: http://eepurl.com/dfZ-uHInstagram: https://www.instagram.com/lovesickscribe/Facebook: https://www.facebook.com/lovesickscribeblog
Episode Overview In this high-energy episode of One Big Fire, John Kitchens, Jay Kinder, and Al Stasek are joined by GoGo Bethke for a candid conversation about AI, trust, and the future of the real estate brokerage. From the rise of AI-powered ISAs to the shrinking role of traditional team structures, the crew pulls back the curtain on what's really coming next for agents, teams, and brokerages. They tackle the big questions head-on: Will AI replace human agents? Are we entering the era of the “AI brokerage”? What happens to the average frustrated agent (AFA)? And how will trust—between consumers, agents, and technology—reshape the entire industry? Whether you're a team leader, solo agent, or broker-owner, this episode is a blueprint for understanding how to adapt, thrive, and lead in a rapidly evolving marketplace. Key Topics Covered The AI Brokerage of the Future Why the brokerage that integrates AI first will likely win How lead generation, follow-up, and ISA roles are being replaced by AI Why consumers may one day prefer AI responses over human ones GoGo's Perspective: Efficiency & Trust Cutting her team from 43 employees down to 9 using AI without losing revenue Why AI can't “call in sick” but still faces trust barriers with consumers The opportunity to clone your voice, face, and personality into AI for scale Teams vs. Solo Agents in an AI World Are teams becoming obsolete—or evolving into leaner showing-agent models? Why AI may empower solo agents to compete at scale How brokerages offering AI infrastructure could eliminate the need for teams The Consumer Experience Moat AI as a personal real estate COO—handling search, negotiation, vendors, and more The looming threat (and opportunity) of AI-curated consumer journeys Why local nuance, trust, and brand will still matter The Future of Agents & NAR Could AI—not lawsuits—be the biggest threat to NAR? Why professionalism must rise as AI raises the consumer's baseline knowledge The widening gap between high producers using AI and low producers avoiding it Personal Transformation Through AI How Jay is using AI to parent, lead, and self-improve Why the agents who survive will be advisors, negotiators, and educators—not order takers The power of continuous growth and using AI as a true thinking partner Resources & Mentions Agent to CEO 2024 – Sept. 24–25 in Cleveland → AgentToCEOCE.com HoneyBadgerNation.com – Community, training, merch, CHSA/CHBA resources The AI-Driven Leader – Framework for adapting leadership to AI StoryBrand by Donald Miller – Messaging framework to guide clients with clarity The Strangest Secret by Earl Nightingale – Classic on mindset and thought power Final Takeaway AI isn't just a tool—it's a tidal wave. The agents, teams, and brokerages who survive will be the ones who combine AI efficiency with human trust, authority, and leadership. As Jay Kinder put it: “Being good with people won't cut it anymore. You must become a trusted advisor, not just an agent.” Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!
It's Mailbag Tuesday! You've got questions, we've got answers. Welcome to a special edition of “Mailbag”! Segment 1: • How do I point my divorcing parents toward Christ when one is a believer and the other isn't? • Are independent or non-denominational churches biblically sound? • How do I overcome a paralyzing fear of God? Segment 2: • Does online dating show a lack of trust in God's plan? • How do I warn my family about dangerous NAR teachings without pushing them away? Segment 3: • Should churches openly share details about pastoral candidates and the hiring process? Segment 4: • What's the shortest, clearest way to explain the gospel to someone? ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!
Episode SummaryBrian Boreo joins this week's episode to discuss the Clear Cooperation Policy, real estate marketing, and broader industry shifts.Full Description / Show NotesBrian's history and career background in the industryThe work he does at 1000WattConsumer research insightsHow REALTORS can differentiate themselvesThe CCP: what it is and how it's impacted the industryIf the NAR settlement has had an impact on consumersWhat trends he's keeping an eye on for the rest of the yearWhat's next for him and 1000Watt's relaunch
In this episode of Listing Bits, Greg Robertson sits down with Rich LaRue, Designated Broker for HomeSmart Arizona and VP of Corporate Brokerages for HomeSmart's Western region. Rich shares his background in real estate, thoughts on exclusive listings and MLS rules, and his perspective on the evolving role of associations, NAR, and vendors in the industry. Key Takeaways Rich LaRue oversees over 12,500 agents across Arizona, California, Colorado, and Texas, with more than 40 years in the business . On exclusive listings: HomeSmart's stance is client-focused—market broadly unless specific client needs dictate otherwise . LaRue acknowledges MLS rules can feel restrictive but stresses the need for common guidelines and transparency with clients . Predicts exclusive listing programs may be a short-term fad, with market cycles determining their relevance . Believes associations and MLSs may eventually separate, but stresses the ongoing local value associations provide, especially around advocacy and forms . Notes the recent push for MLS-only membership options and the challenges of balancing form libraries, branding, and NAR's influence . Advises vendors to be patient—sales cycles are long, especially in today's market—and to focus on helping agents articulate their value to clients . Highlights Raise, a product that helps agents track and communicate their value, as a timely and effective tool for buyer representation . Links LinkedIn Sponsors Trackxi – Real Estate's #1 Deal Tracking Software Giant Steps Job Board – Where ORE gets hired Production and editing services by: Sunbound Studios
The Industry Relations Podcast is now available on your favorite podcast player! Rob and Greg dive into the latest developments in the real estate industry, including Andrea's move to Real Estate News, Anne Marie's push for MLS independence, and ongoing debates around realtor commissions and compliance. They also examine a new lawsuit challenging enforcement of buyer representation agreements and revisit the idea of sub-agency as a potential solution to persistent steering problems. Key Takeaways Andrea at Real Estate News: Andrea joins Real Estate News, raising hopes for stronger investigative journalism in the industry. MLS Independence: Anne Marie's upcoming retirement sparks discussion on MLS separation from associations and questions of ownership structure. Realtor Commissions Rising: Despite reforms, commissions are reportedly up, prompting concerns over steering and transparency. ZEA v. NAR Lawsuit: A self-represented broker challenges MLSs and NAR over lack of enforcement of buyer agreements, potentially opening the door for class action. Compliance Issues: Evidence suggests weak enforcement of mandatory buyer agreements and ongoing loopholes in rules. Return to Sub-Agency? Rob argues a shift back to sub-agency could simplify compensation and cooperation while reducing steering conflicts. Future Uncertainty: Regulatory or legislative changes may be required to address systemic problems that lawsuits alone cannot solve. Links Real Estate News Article Connect with Rob and Greg Rob's Website Greg's Website Watch us on YouTube Our Sponsors: Cotality Notorious VIP The Giant Steps Job Board Production and Editing Services by Sunbound Studios
The New Age has not only crept into such movements as the New Apostolic Reformation, but practices and teachings have become mainstream in it. One of those teachings is that of supernatural portals and how to access them. Some popular teachers of this are people such as Patricia King, Katie Souza, Joshua Mills, and Brian Simmons of The Passion Translation. They teach that the Bible speaks of portals and how to operate in them, but is this true? Join me as we examine this belief of power portals espoused by those in the hyper charismatic and NAR. My info:Website: http://www.lovesickscribe.comSubscribe to my blog here: http://eepurl.com/dfZ-uHInstagram: https://www.instagram.com/lovesickscribe/Facebook: https://www.facebook.com/lovesickscribeblog
Send us a textAndrea Gordon shares her 27-year journey as Berkeley's top-producing real estate agent for Compass while pursuing multiple creative passions. She created her podcast "Realizations" to educate people about what realtors actually do after feeling frustrated about NAR lawsuits and commission misconceptions.• Real estate agents meet clients at major life transition points that are inherently stressful• Most people don't move unless they have to—requiring agents to have both market knowledge and emotional intelligence• Effective marketing strategies like consistent bus bench advertising for 23+ years• Increasing marketing during economic downturns helped establish stability when others pulled back• Understanding when to help clients overcome fear to make good decisions• Pushing past fear is essential for both clients and agents to achieve success• Andrea balances her real estate career with multiple passions: pursuing a PhD in her 60s, writing plays, publishing children's books• Working with a realtor is crucial even for experienced investors to handle comps, listings, and sales• The value of teamwork in real estate: "Teamwork makes the dream work"• Andrea's life philosophy: "If not now, when?" and "What would you attempt if you knew you could not fail?"Leave a five-star review to help the podcast reach two million downloads! Find me at dwanderful.com and on all social media @Dwanderful. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Keith fields listener questions on: changes to realtor fees, down payment strategies for investment properties, and how the new 100% bonus tax depreciation really works, then staggering inflation statistics that motivate you to invest in real assets. He explains that realtor fees have shifted from a 6% listing fee to a 3% seller fee, with potential buyer contributions negotiable. For down payments, he advises maximizing leverage while avoiding over-leverage. Bonus depreciation allows for significant tax deductions in the first year, benefiting high-income investors. Resources: Connect with a recommended cost segregation engineer to take advantage of bonus depreciation here. Show Notes: GetRichEducation.com/566 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:00 Welcome to GRE. I'm your host. Keith Weinhold, fielding your listener questions on changes to realtor fees, your down payment strategy, and how the new 100% bonus tax depreciation really works, then staggering inflation statistics that motivate you to invest in real assets today on Get Rich Education. Keith Weinhold 0:26 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week. Since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Speaker 1 1:12 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:22 Welcome to GRE from Athens, Pennsylvania to Athens, Georgia to Athens, Greece, and with listeners across 188 world nations. You are listening to get rich Education. I'm your host. Keith Weinhold, yeah, you and I are back together for a 566th wealth building week. This is not where you learn how to create wealth through careful sports wagering at DraftKings. We also don't try to do everything like WalMart. We talk about investing actually pretty aggressively yet reasonably and responsibly at the same time. Usually those attributes are opposites, but because we are leveraging the most proven wealth building vehicle of all time, real estate, where you don't have to be the landlord. You don't need to get deeply hands on with house flipping, and you don't need to own property in your local market, though you could. We are not day trading. We are decade trading. There's not a get rich quick element here at GRE, because that doesn't work. We're owning mostly long term rental properties, bringing the financially free beats debt free approach and cognizant that compound leverage Trumps compound interest. And from the day you start focusing on this, you can retire in five to 10 years, and you can take it as far as you want, because unlike many professional sports, the sport of real estate investing doesn't have any salary cap at all. I'm starting off with three of your listener questions today. You write into the show with your questions and what I've got a few that I think could help a lot of you. I answer them here. And as usual, I start with the more introductory question, and then I proceed to the more advanced. The first one comes from Sherry In Sellersburg, Indiana. I know where that is. It's just across the river and to the north of Louisville, Kentucky. Sherry asks when I go to sell my duplex, how have last year's changes in realtor fees affected my sale costs? Yeah, thanks for the question, Sherry. And a lot of people still wonder about this first and a big little technical here, but this benefits other listeners Sherry is that a realtor means that they are a member of the NAR, the National Association of Realtors. So not all people that you enlist to help you market and sell your property are realtors, because not all agents belong to the NAR. In fact, the best catch all term for this person is not an agent. Depending on the state you're doing business in, it's probably licensee, someone licensed to act as your professional intermediary in a real estate transaction. And by the way, the name of an NAR member is a realtor. It is not pronounced real utter it's realtor, like doctor and lawyer. You wouldn't call a doctor a doctor two syllables, realtor, but to get to the crux of your question, Sherry, the changes to realtor compensation took effect almost exactly a year ago. It was last August, and it has less. Of an effect on the industry than many thought. I stated last year that it likely wouldn't affect things much, especially here on the investor side, and it really hasn't. The simplified version is that the old landscape was that when you used to list the property for sale, the listing agent charged you a fee, traditionally, 6% they offered half of that to any cooperating broker that brought the buyer to you. That was simple, and that worked for decades. That changed one year ago now, when any realtor or really licensee, when they work with you, now they simply contract with you for their fee, only like 3% as a seller of the property, you no longer have an obligation to pay for the buyer side agent as well, like you used to. But when you sign a listing agreement, you can indicate that you may be willing to concede and give an allowance to the buyer when they engage a licensee on their side to help them purchase your property. So Sherry, your voluntary contribution to the buyer side is negotiable, and it's part of the offer that the buyer presents to you. Now that's what you'll see as the seller and what you should expect as a buyer. The new landscape is that buyers negotiate a personal service agreement upfront with their licensee. Their service isn't free. I mean, these people can't work for free, and the buyer side licensee acknowledges that they will try to negotiate to get the seller to pay that fee. So Sherry, in reality, that's still what often happens. So the seller still pays that fee. In the end, the reason why is that not only is this traditional, but buyers cannot normally afford to pay for their own representation on top of their down payment and closing costs. They're often spread pretty thin already, but sellers can typically afford it. They have the upper hand financially in the form of equity in the property. And here, when you're buying properties at GRE marketplace, you don't have to pay any of those fees. We use a direct model without a licensee. So that's sort of the short version of the change, and why. I hope that helps sherry. It's a good question. Even licensees are struggling with the new rules. Keith Weinhold 7:38 The next question comes from Jezebel in Yonkers, New York. Jezebel asks, what is the ideal percent down payment that I should make on a rental property? I'm trying to figure out the trade off between debt level, cash flow, leverage and risk. I'm still trying to get past the mindset that paid off property is best. All right, that's Jezebel's question, and Jezebel The short answer is that you want to make the smallest down payment possible while avoiding over leverage. Over leverage, meaning that your monthly payments are so big that you struggle to make them. Now, many investors that buy rental property, they're going to make a 20% down payment on a conventional loan for a single family rental. At last check on duplexes and up the down payment has to be at least 25% now you can make a down payment as low as 15% at least on a single family rental, although you would then be subject to an extra fee a PMI premium. Now, why would one do such a thing for the leverage? Because leverage is almost seven to one at 15% down, but you've got to balance that with a PMI premium. Run the numbers and see what works for you. Now, since you can make just a 20% down payment on a single family rental, conversely, why would you put 25% down? Your leverage position would slide from five to one down to four to one, where you can often get a slightly lower interest rate if you put 25% down. But when you run the numbers, you'll find that it's often better to maintain strong leverage and only put 20% down. Now, Jezebel, as soon as you start putting 30% down on a property that is questionable at 30% or more, because at that point you really have to start asking why the rate of return from home equity is always zero. It actually makes your risk go up, like I've discussed extensively before, with 30% down, your leverage ratio has been cut to 3.3 maybe the answer could be that 30% down is what it takes to produce. Positive cash flow, but putting 30% or more down is clearly not ideal. Think about how good we've got it as real estate investors here, for example, imagine that you're attracted to a dividend paying stock because it pays a 4% yield, unless you're borrowing on margin, you would need to make a 100% down payment to get that 4% cash on cash return from a dividend paying stock, 100% sunk into this, which isn't even a down payment anymore. That's just an outright free and clear stock purchase. Well, instead, in real estate, when you realize that property prices rise or fall in value regardless of how much equity is in a property, you don't have an incremental increase in your equity growth. It's a quantum leap. And here's what I mean. Jezebel, say you're investing 100k in real estate, that's how much you're going to put into it, and it appreciates at 5%. All right, there are two scenarios with that. Scenario A, you put that 100% down into just one 500k property, well, then you've got just a 25k gain after a year. Instead, with Scenario B, you put 20% down on five 500k properties, then you've got a 25k gain after a year, not just 5k Said another way more powerfully. Scenario A, you only got a 5% return on one property. In Scenario B, you got a 25% return on all of five properties. Wow. That's why the leverage light bulb, when that goes off, that is an incredible flex that you've got. That's why I say it is not an incremental gain in your wealth. It is a quantum leap. So I hope that some of those considerations really help temper your strategy there. Jezebel, that really helps you see how financially free beats debt free and exposes the opportunity cost of a paid off property. Thanks for the question. Keith Weinhold 12:19 The next question comes from Ed, and he is a personal friend of mine, so he submitted this question by text message to me, but I wanted to address his question here, because I've had other people in my friend group ask me about this. It's about bonus depreciation, what it is. It's about bonus depreciation, what it is and how it works. And what's interesting here is that even those that aren't active real estate investors have been asking me about bonus depreciation. This was part of Trump's OB BBA, the one big, beautiful Bill Act that was signed into law back on the Fourth of July, and I told you about that last month, but because of all the questions about it and the lack of clarity around people's understanding of bonus depreciation, although it gets a little busy, let me give you a real world example with numbers on how bonus depreciation really works and how you can put 10s of 1000s of dollars in your pocket with it the next time you file your taxes. And by the way, my friend Ed that asked this question is a cargo pilot, so he is probably the most well traveled friend that I have. Yeah, through our chats and on social media, I often see that he's in China or Vietnam or a bunch of other places, but he lives in the US. In fact, bonus depreciation is encouraging more people that haven't even been real estate investors previously to newly invest in real estate because it is for properties acquired January, 20, 2025, or later, Trump's inauguration day for his second term or later. And I expect this to be effective for at least four years from that date. I think I mentioned that part to you a few weeks ago. All right, the property has got to be newly placed in service, not something that you bought, say, five years ago. Bonus depreciation does not apply to primary residences. We're talking about rental property, although it does apply to more than just rental property, because it can apply to property used in a business, like equipment, machinery and furniture, but within rental property, it applies to certain components of the real estate, not the building itself. That is on a regular depreciation schedule, and not the bare land. Land cannot be tax depreciated at all. All, neither through regular depreciation or bonus depreciation. You probably already know that a residential building itself can be depreciated over 27 and a half years. That works out to 3.6% of the value each year that can be depreciated or written off on your taxes, right? Well, what if there were portions of your building that you could write off faster, like over just five years, meaning 20% of their value each year you can, and others over seven years, meaning 14% of their value each year you can. And there's 15 year items as well. All right, so what if, instead of all that, you could take those five seven and 15 year components and just write them all off in the first year of ownership, so that you didn't even have to wait the five seven in 15 years, you can, you can write them all off in year one of your ownership of the property, and that is what 100% bonus depreciation is right there. That is in addition to writing off the main building over 27 and a half years. All right, with that understanding generally, let me break this down in more detail. Use an example, and that will also help reinforce what I just taught you, the components of rental property that bonus depreciation applies to, include the stuff that wears out faster than the building, and they are indoor items, appliances, flooring and cabinetry. At times, it can include HVAC systems, all right, that is written off in five to seven years. And then outdoor items known as land improvements, that includes fences, parking lots and landscaping. They're typically written off over 15 years. All right, let's look at a real world example on how this can benefit you. You can use bonus appreciation on single family rentals, duplexes, fourplexes and larger buildings. Let's use an example of an apartment building that you purchase for $1.2 million one we'll say the land value is 200k that is not depreciable. So the building, the depreciable asset, has a value of $1 million you must have performed what is called a cost segregation study in order to break down that $1 million building into those erstwhile faster depreciating components. And no, you cannot do the cost seg study yourself. You need to pay a few $1,000 to hire a Cost Segregation engineer to do this study. All right, let's look at the cost seg breakdown, the result of what he or she finds for you, let's say the personal property that's worth 150k its recovery period is five to seven years, and yes, it is eligible for bonus depreciation. Then you have the land improvements say that's another 50k over 15 years for a recovery period. And yes, it is bonus depreciation eligible. And then finally, you have the structure, or the building worth 800k It has a recovery period of 27 and a half years. No, it is not eligible for bonus depreciation, just the regular type. All right. Well, let me define more of this personal property for you here these five or seven year assets, these are what are eligible for 100% bonus depreciation in qualifying years. So we're looking inside the units, appliances like refrigerators, ovens, dishwashers, microwaves, washers and dryers, also flooring, carpet, vinyl and removable floating floors, not typically hardwood or tile, cabinetry and countertops in some cases, especially if they're not load bearing. Window treatments like blinds, drapes and curtain rods, ceiling fans and light fixtures, they've got to be detached from the structure and furniture, if it's a furnished rental, like perhaps a midterm rental or short term rental. So we're talking about things like beds, couches, in chairs and then in common areas. This five to seven year personal property includes fitness equipment in the gym, leasing office, computers, desks, chairs, clubhouse furniture or TVs, package lockers, like places where your tenants have their Amazon packages, playground equipment and trash compactors. All right, to be clear, that was all personal property that can be depreciated over five to seven years. And then there are those land improvements, the. 15 year assets also eligible for bonus depreciation, sidewalks, fencing, landscaping and irrigation, parking lots and striping, outdoor lighting, retaining walls and signage. Okay again, those are the land improvements, the 15 year items, things that are not eligible for bonus depreciation are the building structure itself, like I mentioned. That includes the roof framing, drywall foundations, and also things like elevators, structural plumbing and wiring and HVAC systems that serve the whole structure. Okay, all that stuff falls in the category of regular 27 and a half year depreciation. All right, so what is the 100% bonus depreciation effect? All right, well, your eligible amount in our example is 150k of personal property plus 50k of land improvements. That's 200k that you can deduct all in one year, rather than having to spread it over five and seven and 15 years. But all in year one of you owning the property that's 200k and again, the remaining 800k structure is depreciated over 27 and a half years. That works out to about 29k a year. This is where it gets exciting. Here we go. So your total year one depreciation, the year that you bought this asset and put it into service, with your bonus depreciation items adding up to 200k and your regular building depreciation at about 29k your total year one deduction is about $229,000 Wow, before I break that down some more and tell you about how it really helps you, let's just be really clear. How did you really get to the 200k of bonus depreciation. All right, let's say the cost segregation study allocated 80k to appliances, flooring and fixtures. Remember, they are the five to seven year items. Another 70k to common area, furniture and office equipment, that was the seven year stuff. All right, so there's 150k or personal property, and then another 50k to that outdoor stuff, the depreciable items known as land improvements, like the parking, landscaping and fencing, those 15 year items, that's how we got to 200k all bonus depreciation eligible, all fully deductible in year One under the 100% bonus depreciation rules, all right, so here it is. Here's the takeaway. You have front loaded an extra 200k of deductions in year one, and you have greatly reduced your taxable income. This is the outcome. This is the result. You just reduced it by 229k between the bonus appreciation and the regular depreciation. All right, so what is the effect of you reducing your taxable income by 229k in one year? Well, if you're in the, say, 32% tax bracket, you keep an extra $73,000 in your pocket. That's $73,000 that you would have had to send to the IRS for the next tax year. But no, you don't, and that is the power of bonus depreciation. That's how it works. Ed, and for all of you that asked about it, I know it's not that simple, and there were a lot of numbers flying around there, it got a little heavy, but that's a complete breakdown. That's why so many people are excited about the return of 100% bonus depreciation, as laid out in law with the one big, beautiful Bill Act, as you can see, it's going to help higher income people more than anyone. If you'd like to get this going and connect with GRE recommended Cost Segregation engineer, or just check and see if it's worth paying several $1,000 for the cost segregation study, we can help you with that. In fact, you might remember that I interviewed him on the show last year, and we will make that introduction for you and help ensure that you have a successful cost seg and bonus depreciation experience regardless of the size of your portfolio, even if you don't own million dollar apartment buildings. You don't have to have a huge income for this to benefit you. It just benefits those people the most. Well, you can set up a time to chat with us about that completely free of charge at GRE investment coach.com I think you know that's where you can also get a completely free strategy session about growing your overall real estate investment portfolio. You might as well do that at the same time at GRE. Investment coach.com. More next, I'm Keith Weinhold. You're listening to get rich education. Keith Weinhold 25:07 The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaley Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. Keith Weinhold 25:39 You know what's crazy your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom family investments, liquidity fund. Again, text family to 66866, Blair Singer 26:49 this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream. Keith Weinhold 27:07 welcome back to get rich Education. I'm your host, Keith Weinhold, if you have a listener question that you'd like to have answered on air, get a hold of us at get rich education.com/contact that's where you can either leave a voicemail or write in to us. I'd like to tell you the frequent guests that we have here on the show, all from the rich dad school, if you will, are going to be speaking in person at Penn State University in just a few weeks. Here it is on the 29th of this month. Yes, an event you can attend in person. It's going to be Robert Kiyosaki, Garrett Sutton and his son Ted Sutton and Tom wheelwright, the four of them speaking live and in person, sponsored by Penn State's Borrelli Institute for real estate studies. The event is named Rich Dad revealed Real Estate Wealth and wisdom. If that's of interest, look it up and check it out. From listening to the show and being a savvy investor that's inflation aware, you know that the mission is to turn a really fake asset, a conjured into existence asset, like $1 convert that into a real asset. Here is some astonishing clarity on why. That's the mission in this could leave you flabbergasted. Since 1980 The United States has one and a half times more homes, two times more gold today, and 42 times more dollars today. My gosh, that is almost laugh out loud material here. Yes, since 1980 the year that Jimmy Carter was president and Star Wars, The Empire Strikes Back, was the top grossing movie. The US has 56% more residential housing units today. So basically, since the year that Darth Vader told Luke Skywalker, I am your father, there are about one and a half times more homes, twice as much gold mined and brought into existence, and 42 times more dollars created out of thin air for the future, all of these trends are expected to continue at roughly the same trajectory and proportion to each other. Now, there's a reason that people use precious metals to measure inflation. It makes a particularly good measuring stick because commodities like gold, silver, platinum, palladium, rhodium and copper, they don't change over time. Unlike a car or a bottle of soda, these items are on the periodic table of the elements, an ounce of gold 1000 years ago is exactly the same. As an ounce of gold today. That's why commodities like this are such good long term inflation measuring sticks. And then there's Bitcoin, something that didn't even exist until 2009 there will only ever be 21 million of them in existence, and 95% of Bitcoins, about 20 million have already been mined into existence. So yes, only 5% more will be issued, and it's going to take about the next 100 years to do that. If bitcoins were the size of a quarter, all 21 million of them could fit inside a single shipping container. There's some fixed supply scarcity. Let's listen to this. It's about 30 seconds long, and it's called all there will ever be. Speaker 2 30:50 Every day the Fed prints an average of $465 million that's 26,000 shipping containers a year, created out of thin air. Maybe that's why the dollar loses value over time. But there's one thing they can never print more of Bitcoin at the size of a quarter. This is all there will ever be. Shouldn't the store of value hold its value? Keith Weinhold 31:16 That's actually a Coinbase video advertisement that we just listen to the audio of there together. Yes, what they show at the end is a shipping container where, if bitcoin were the size of a quarter, all of them that will ever exist would fit in one shipping container. And like it said, every single year, on average, the Fed prints enough dollars to fill 26,000 shipping containers, just staggering. There are so many dollars now, I'm thinking of replacing my insulation with stacks of ones. Same R value, better liquidity. Pretty soon, we won't count dollars anymore. We'll just weigh them. Welcome to the Zimbabwe starter kit. We have gone from sound money to clown money. That's another way to think of it. Oh, they say money doesn't grow on trees. That's true. It grows in spreadsheets. Now, though, one keystroke at the Fed and poof, there's another trillion just like that. Just hit the control, plus the print key. That's all it takes. All right. Well, let's take a look and see how this manifests in your life as a consumer and as a real estate investor and as a worker since January of 2020 to today, a $100,000 salary has the same buying power as 125k today. Guess over just the last five years, the dollar has lost 25% of its value, and now I'm talking in terms of the CPI here, the consumer price index. So of course, all these figures I'm using could really be higher, like we say, therefore these figures are only the inflation rate that the government is willing to admit to. How does this break down by region? So yes, we have 25% national inflation over five years, but different regions have different rates of inflation, including the region where you are, and this is due to reasons like climate and the composition of industries and even cultural preferences. For example, a southern climate with a lot of air conditioner use spends more on electricity. So if electricity costs are high there, then that region's inflation rate could be higher than that of a northern climate. A place like Omaha, Nebraska is proximous to a lot of agricultural crops and beef, but a place far from where those items are sourced could be more sensitive to changes in beef prices or less sensitive. So over the past five years, here's how much annual inflation in these select cities have experienced again, per the CPI from lowest to highest San Francisco is just 3.3% per year. So in San Fran your 100k salary in 2020 would need to be almost 118k today just to maintain purchasing power. New York City, 3.9% annual inflation over the last five years. Chicago, 4.2% Philly, 4.3 Seattle is at 4.8 Dallas, Fort Worth 4.9 St Louis, 5% Atlanta, 5.1 Miami, 5.4 we're really getting up there now. Phoenix, 5.9 San Diego, 6.1 and the major. Major city with the highest inflation rate over the past five years is Tampa, Florida, at 6.4% annually, Tampa's had some of the highest real estate appreciation over the past five years as well. So this means that a 100k salary five years ago in Tampa would have to be 128k today just to maintain purchasing power due to its 28% cumulative inflation the past five years. But that's the CPI. The real figure could be 40% plus in Tampa. All right, now this information is useful, because even if you believe that the CPI is understated, which most everyone that's looked at it does, as long as the methodology is consistent, you can see the regional variation here. Again, San Francisco was lowest at 3.3 Tampa about double at 6.4% the ever present force of inflation. It's merely surreptitious, until you have a big wave of it peaking in 2022 that everyone noticed. Let's look at how it's contributed to the real estate price run up since 2020 All right, so in the first quarter of this century, you might find this unbelievable in itself, in the year 2000 the median priced Florida home was 195k I mean, that's the median price. Then the investor sweet spot is usually lower than that. It might have been 130k in Florida in the year 2000 so again, 195k in Florida for the median home price as recently as 2000 today, it is 412k gosh, almost as surprising in Texas, It was just 153k in 2000 and it's 338k now, I mean, don't these prices like 153k in Texas, make it seem like the price for a dog house already, New York, 276k up to 576k Also from the year 2000 to today, Washington, DC, 293k up to 643k Colorado, 377, up to 582k Florida, more than doubling 393, up to 833 And Washington State also more than doubling 313k up to 630k my gosh, price increases like this. They're a function of both monetary inflation and appreciation, and it's really a chief reason that the Fed has not cut interest rates this year. It's because the memory of soaring inflation is still much too recent. Keith Weinhold 38:05 To review what you've learned on this week's episode. Changes to realtor fees have made less industry impact than many expected. The smaller your down payment, the more powerful your leverage fulcrum. The return of 100% bonus depreciation has many investors, and even non investors, interested in adding income property to their portfolio, and staggering inflation is a motivator for adding real assets to your life. Hey, if you would, I would love it, and it would mean the world to me. If you found this episode valuable enough that you would share it with a friend. I put a lot of thought into it, just like I do every single week, friends are probably going to find explanations about realtor fees and bonus depreciation highly helpful this week, you can either share the episode by word of mouth or take a screenshot of this episode and put it on your social media. You might want to write out that it's get rich education in your social posts, because it only shows GRE on our podcast, cover image in some views. Thanks for telling a friend about the show. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Unknown Speaker 39:23 nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 39:47 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got paywalls and pop ups and push Notes. Vacations and cookies, disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video course, it's all completely free. It's called The Don't quit your Daydream. Letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text gre to 66866 Keith Weinhold 41:02 The preceding program was brought to you by your home for wealth building, getricheducation.com.
Keith discusses strategies to avoid capital gains tax on primary residences, highlighting the potential impact of the "No Tax on Home Sales Act" proposed by Representative Marjorie Taylor Greene. He explains the current tax exemption thresholds of $250,000 for singles and $500,000 for married couples, noting that 34% of homeowners could exceed the single filer threshold. Keith also explores the rise of small investors in the housing market, representing 30% of purchases, and the potential of peer-to-peer storage and parking platforms to generate income from underutilized property. And concludes with a critique of government dependency through Section 8 housing. Resources: You can see the video footage of that section 8 clip here. Show Notes: GetRichEducation.com/565 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold, when you sell your primary residence, you need to pay capital gains tax. Learn how to avoid it, then how to increase your rental income with new peer to peer platforms. And finally, a perspective on capitalism and collectivism, with Section Eight housing today on get rich education. Speaker 1 0:27 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Speaker 1 1:12 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:28 Welcome to GRE from st, Joseph, Missouri to st, Albans, Queens in New York City and across 188 nations worldwide. I'm Keith weinholden. You and I are back together here for another wealth building week. This is get rich education, the Treasury and the Fed keep conspiring to print dollars like crazy, create currency, debasing every single dollar that you're currently holding onto. They are stealing your purchasing power, stealing the value of your work and your grit. It makes dollars pretty fake, since they can just be conjured out of thin air, therefore your job is to convert fake dollars into real assets. That's what you need to do, and this is a strategy that dominates. Like Sydney Sweeney, they print more money, causing inflation, so you have to invest in assets, but then they put a capital gains tax on those assets so that most people never escape inflation. But of course, as real estate investors, we have a strategy to avoid capital gains taxes. Well, I'll talk about that more later. Keith Weinhold 2:46 I mentioned to you on an earlier episode that I recently attended my high school class reunion in Pennsylvania. It was just a few weeks ago, out in a rural area with a lodge and trees and grass and inflation came up in a conversation between me and a few classmates that was some time before we played cornhole in badminton. I talked about how I sort of enjoy spending money. One classmate replied that he is cheap. I don't really directly respond to something like that, but my preeminent thought when someone says that they're cheap is that life is too short to be cheap. There is a way to guarantee an improvement to your quality of life and your standard of living, and that is spending it can do exactly that invest Well, first, that's an antecedent, and then you can spend now, in the short run, when you're young, living below your means that can make some sense, until you've accumulated some Capital, sure, but when you're age 30 to 35 plus, like my classmates and I are Sheesh, you've got to have yourself figured out better by then than to still be cheap make your quality of life exceed your cost of living, because at least here on Earth, this is your last life ever the risk of too much delayed gratification is denied gratification. So be more frugal with your time than your money. And a lot of people point to external circumstances for their circumstances. Most people wait for the economy to change, not realizing that your mindset is the economy that you live in with each property that you own, you just created another small economy that you are in control of. You are at the top of it. Yeah, you created. Another small economy, the actors in it are you, your tenant, your lender, your property manager, your contractors, your utility companies and more, and you control it all. Most people think wealth is created from high salaries, and they go their entire life, therefore chasing the wrong thing, thinking that wealth is created by high salaries all along it squarely is not you get wealthy by owning things, and you certainly won't get wealthy by being cheap. Now, when it comes to owning things, the government taxes you when you profit on those things during your ownership period of them at sale time through the capital gains tax. And of course, we've talked about the specifics in how real estate investors can completely duck out of that with the 1031 tax deferred exchange. But what about homeowners, primary residence owners, they often have to pay it well. President Trump and Representative Marjorie Taylor Greene recently suggested either removing this tax or reforming it. Now this would require congressional approval, but most members of Congress own their home, so they could very well be in favor of it. And green introduced what is simply called the no tax on home sales act. Keith Weinhold 6:29 Let's discuss how this can affect you, especially if you're a homeowner, or even if you don't own a home under the current law, which has been in place since 1997 on a primary residence, your first 250k of profit is sheltered from tax if you're single, the first 500k is sheltered if you're married. This is called the primary residence capital gains tax exemption or exclusion. Let's use an example. Say you bought a home years ago for 500k you're married and you sell the home for $1.3 million that's an 800k gain, alright? Since the first 500k is sheltered from capital gains tax, you would therefore have to pay the tax on just 300k on all but the lowest earners, your capital gains tax is 15 to 20% so this means if you sell this home on that 300k of profit, you'd have to pay a tax bill of between $45k and $60k and you might not be done there. You could also be subject to a net investment income tax of 3.8% on top of that, you cannot duck out of this because the 1031 exchange that's only for investment property, not primary residences, like we're talking about today, with home prices on the rise so much over the last five years, how many people exactly could be subject to this tax? 34% of homeowners could exceed the single filer threshold, and 10% could exceed the married filer threshold. Another way to say this is that only about 10% of US homes have more than 500k of equity in them, and it's the homeowners in high cost states that are most likely to be impacted here, New York, New Jersey, Massachusetts, California and Hawaii, states like that. So therefore this tax it acts as a deterrent to people selling their homes. Now, what about, say, an elderly person with a really modest income that bought a home in Los Angeles for $30,000 back in 1970 and now it's worth $15 million well, they actually would not get caught in this net, because, like I said, for those with lower incomes, and it's below about 47k for single or 94k married, the capital gains tax rate is zero. For most of you listening again, it's going to be 15 to 20% one reason for the President and others wanting to cancel the capital gains tax on primary residences like this is to get the housing market moving again and get more homes available for sale on the market. Now these 250k and 500k thresholds, they have not moved since 1997 almost 30 years here, they haven't been adjusted for inflation and the median home sales price, it's jumped about 190% in that time it was 145k back in 1997 it's 435k today. So is. Home prices appreciate, more and more people will get caught up in paying the capital gains tax if your home value goes up by 10k That's another 10k that's subject to this 15 to 20% Capital Gains Tax, with that erstwhile possible net investment income tax on top of that. Well, what can you do about this growing capital gains tax obligation that you'll have that a lot of homeowners aren't even aware of? Well, even fewer realize that it is possible to reduce your home sales profit by adding capital improvements. That means making home renovations to the original purchase price. So therefore that home kitchen renovation that you were thinking about doing, well that might not be as costly as you think, if it reduces your capital gains tax at sale time to reset what we're talking about here, it's been proposed that the capital gains tax be removed when you sell your primary residence. Usually, we discuss tax on investment properties here, but this is a significant proposal, and whether it happens or not, it helps you understand the housing market and how to limit your personal tax hit now see if the tax were removed, it could be costly, because it would decrease the government's tax revenue, of course. So in my opinion, what I think is really going to happen here, a more likely course of action would be that instead of eliminating this tax they would just move up the threshold, say, from 250 and 500k up to 500k and $1 million another angle to keep in mind is that relaxing the tax that helps out wealthy people more than it helps the poor. Now, house flippers want to pay particular attention to what happens here, for instance, simply eliminating capital gains tax on house sales that could benefit those who buy and flip homes for profit. If policymakers want to benefit only homeowners, then they need to parse that out. Otherwise, this would be a huge boon to eliminating the capital gains tax on House flippers an absolute godsend, a windfall. In any case, relaxing the tax would mean that homeowners who move they would therefore retain more capital to reinvest in their next property, which you could use to outbid others. What does that do that would drive up home prices even more. I mean talking about the capital gains tax on primary residences, its proposal to be removed and what this would do to the housing market. Keith Weinhold 12:50 Before I tell you about an interesting real estate investing niche and trend, let's pull back and look at the national housing market. The NAR recently let us know that national home prices hit yet another all time high. The median existing home price reached a record high of $435,300 and that is a 2% increase compared to last year. At this time, it's also the 24th consecutive month of year over year price increases. And you know, it's funny, I recently talked to an investor based in Phoenix that also does a little investing in Las Vegas. She thought that national home prices were falling because she sees a little price flattening in her home area, which is a little overbuilt. Well, prices are up as much as 10% in some areas of the Northeast and Midwest, because those areas are substantially underbuilt. I mean, for some perspective here just one metro area, New York City, one city with its population of over 20 million people, has twice as many people as both Arizona at 7 million and Nevada at just 3 million combined. One city twice as much as two entire states combined with all their cities. So it's remarkable how little perspective some people have see my geography degree holder perspective strikes once more again, national existing home prices are up 2% year over year, nominally, pretty modest growth, not that exciting. And who is doing the buying of these homes supporting and driving up prices. Well fewer and through of them are first time home buyers due to the well documented affordability strain. More and more of them are investors. Just last week, the Wall Street Journal reported that investors are responsible for fully 30% of the purchases of. Of both existing homes and new construction homes this year, and this is the highest share since property analytics firm kotality started tracking it 14 years ago. Investors are really buying today, and what kind of investors? Interestingly, it is people just like you. The Wall Street Journal went on to report that smaller investors who own fewer than 100 homes are doing most of the buying. That's a big change from when massive private equity firms like Blackstone and Starwood Capital Group dominated the market. So this 30% of single family home purchases being made by investors today. Smaller investors are 25% and larger ones only accounted for 5% so yeah, the little guys, people like you, they can take bigger risks because they don't have boards and shareholders to answer to, and plus builders with too much inventory are offering them discounts that were once reserved only for the bigger fish. They're being passed on now to smaller investors like you. That's exactly what the journal went on to say, much like we discussed on the show here last week, where builders are giving massive discounts. Keith Weinhold 16:22 Well, you probably heard it said that Airbnb doesn't own any real estate. Uber doesn't own any cars. Facebook doesn't own any content, and Tiktok has no original videos. Yet, they all dominate their industries. Well, when you own the real estate, you can make the rules and leverage some of these connector platforms to help you rent out space that you own and increase your income. Do you own any property that's sitting vacant with nothing going on on the lot, perhaps even overgrown with weeds and shrubs. You can use an app like neighbor that helps you rent them out as parking spaces. Neighbor.com customers request your space, and you can approve it. They can park their cars on your space or RVs, boats, boats, trailers. This can be especially lucrative if you're a few miles from an airport, and then there are platforms that let you leverage them, sort of like the Airbnb of storage. Roughly one out of every nine Americans is renting a self storage unit, and that's not even counting all the people searching for a spot to park an extra car, boat or RV. At the same time, there are millions of garages, basements, attics, driveways and backyards sitting underutilized across the country now, platforms like store at my house, Pure Storage and park for share, that one is spelled Park, the number four and share, they're all stepping up to connect people who have extra space with the people that need it. And the result is that renters can typically save 50% or more compared to them using traditional storage companies they can rent from you, and it's often more convenient for renters, since the space they're renting that might be just around the corner instead of across town. Neighbor.com is one of the biggest players in this space, though, its founder, his name's Joseph Woodbury. He says you'd be amazed at what people will pay to store something if the location is good and the price is right, they have had a tiny three foot by five foot closet in Manhattan that rented out in a snap, almost instantly in Woodbury. He even uses the platform himself, leasing part of his own driveway to someone with a camper. Now, you probably want to check with your HOA before you do something like that. But like Airbnb neighbor, they earn money by taking a cut of the host's revenue. But unlike Airbnb neighbor, hosts average just 16 minutes per month managing their listings now Woodbury, the neighbor.com owner, he calls it the most efficient, least time intensive form of passive income in America. And the peer to peer storage trend, that's become a great entry point for new investors, especially those that aren't ready to buy a full property. But it's also catching the eye of experience real estate investors who want to squeeze more cash flow out of the land that you already own. Some are turning unused sheds into rentable storage units. Others are converting open acreage into long term parking. I know someone that's hosting campers and. RVs on his 10 acres in Florida, and he expects to earn about $100,000 this year alone from that land. And they say it's mostly hands off. And now, whenever he buys he looks for acreage plus a home so that he can generate multiple income streams from one property. Well, can this peer storage and parking shake up the $500 billion self storage and parking industry the same way that Airbnb rattled the hotel world? Some think the potential is huge, with national occupancy rates for storage centers hovering around 93% there really is not any sign that the market is oversupplied. In fact, even public storage, that's the company name, public storage, they are the country's largest self storage space operator, even they use neighbor to help lease out their leftover inventory, and so do some REITs that have extra space at their office, retail or apartment properties. And as far as the types of listings, people are getting creative on these platforms. They're monetizing everything from empty barns to church parking lots. Think about how much of the week church parking lots sit vacant to vacant strip mall storefronts, and they're using that as parking so more and more people are realizing that there's hidden value in the real estate that they already own, and you can too. If you own the real estate, you make the rules. So check out those four platforms that I mentioned, if you think it can benefit you to increase the income at your properties in this growing peer to peer storage and parking industry. It was around 2010 when Airbnb really started to take off and really take market share away from hotels, and today, these platforms like neighbor store at my house, peer storage and park for share, are taking market share away from traditional, centralized self storage spaces to review what you've learned so far today, if you're going to Live life full time, you can't be perpetually cheap. Be aware of the primary residence capital gains tax and its elimination proposal. Small investor interest is growing now, making up fully 30% of today's home purchases, and grow your income with Pure Storage and parking platforms coming up next, a viral audio clip that borders on the unbelievable and gives you a new perspective on capitalism, collectivism and Section Eight housing, you'll be flabbergasted. I'm Keith Weinhold. You're listening to Episode 565, of get rich education. Keith Weinhold 23:00 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056,they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com. Keith Weinhold 23:32 You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading, it's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866. Kathy Fettke 24:42 you this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. Keith Weinhold 25:00 Keith, you are back inside one of America's longest running and most listened to real estate investing shows. I'm your host, Keith Weinhold, and this is get rich education, the voice of real estate investing. Since 2014 wealthy people's money either starts out or ends up in real estate, we tell you why and show you how. I've got a clip to share with you that gets a little wild. We usually share what I suppose is more cerebral content here, but some real perspective can be gleaned from listening to this. This kid wants to work his mom says, No, you can't, because she'd lose her section eight housing benefit. And apparently, free housing is more valuable than his future. This is about one minute in length, Unknown Speaker 25:52 not getting no job. If you go get a job, they're going to take my section eight, then you won't be able to get no section eight. You're not going to get no job. They're gonna count your income against my section eight and my link card. You're not working, no. So I don't care what you gotta say. I don't care how you feel. You're not working, you're not going to get a job, you you're not going to school, you're not doing none of that like Ma. I'm saying how I'm supposed to be successful in life, huh? So you basically telling me I gotta I gotta be broke to be successful. I got to be broke so I can get section eight. Government can help you. So the government can help me. So you telling me I can't work, no job, bro. Like, that's like, all my friends got jobs and live and nice houses. So you telling me I got the I got to go through the same thing you went through if you have a house, any of that, they're going to take my section eight. How? What they be like,no, they will look at that and be like, he's doing something. And give me a bigger house. Ma, that's what you told me. I can get off your section eight and apply for my own section eight. Okay, but if you do that, you're gonna have to go the hard way. It's gonna take a long so what? That's what I'm saying. Get on Section Eight. Find you a nice apartment, go get you a link card. You will be fine. You don't have to sit up and work. You don't have to work, no job, if the government is here to help us. Keith Weinhold 27:11 Gosh, this mom won't let her son work, or else she'll lose their government section eight housing benefit, where taxpayers pay for most of their housing. And by the way, is this real? Is this a rage bait skit? I can't quite tell, but it surfaces some interesting questions. For sure, it is true that section eight housing voucher recipients like her can lose their benefits if the household earns more and exceeds a certain threshold. Gosh, here's the youth that wants to do something and maybe be better and have more than his parents. You should want what's best for your child? Some parents have to beg their children to get a job. This kid is willing to go out and see what he's capable of doing. This eaglet is looking to leave the nest, and you're clipping his wings, and yes, you the listener, are the one paying for their housing. There's no such thing as a free government program, because taxpayers like you and I fund the government section eight housing is therefore tax payer funded at one point. The mom says the government is here to help us. Yeah, this woman is making you poorer. This is where the taxes that get knocked out of your paycheck are going. You're working at a job, spending less time with the people you love, and maybe doing fewer of the activities you love so that she can perpetuate a culture of laziness and government dependency. Another successful entrepreneur or employee is not making you poorer, this woman is making you poorer. Thomas Sowell said it best. He is an author and a senior fellow at the Hoover Institution. He's got a lot of brilliant thoughts. Soul famously said, I have never understood why it is greed to want to keep the money you have earned, but not greed to want to take somebody else's money. That's Thomas Sowell. Now it's possible that this woman couldn't get a job that would pay so much more than the section eight income ceiling that it would be worth her getting one. She said there that she doesn't have a job at all. Maybe she has a disability, but there's a video of this. You can see the video. She doesn't appear to be disabled, but the appalling part is that she's discouraging her son from working now. Understand some section eight tenants do work full time jobs, but they're almost certainly going to be really low paying like, say, washing dishes for a restaurant. Section Eight is supposed to be a temporary program. It's supposed to be helpful, not a hindrance. It is a federal program. It's administered by HUD, and it pays the rent money for low income people, allowing them to rent housing out in the private open market. The program has high demand and some long, long waiting lists. They can be years long, even a decade long, waiting list for Section Eight housing some housing authorities even close their wait lists entirely due to the length the overwhelming demand and understand as well, veterans and the elderly are probably on a wait list, waiting for substantially younger people like her to get off the program to qualify for Section Eight, most families need an income below 50% of the area's median income, and your criminal background check has got to be clear, so you don't need to pass some high bar to get into the program. Now, in reality, a large share of the benefit recipients have an income that's under 30% of an area's median and how much of your rent does section eight pay? Participants typically pay a portion of their monthly income toward rent, usually around 30% they pay around 30% where section eight pays 70% I once run into a section eight tenant, and the tenant paid closer to 20% while the program paid 80% for you. And by the way, landlords don't have to accept section eight tenants. It is voluntary, and it pays landlords about the market rate in hot housing markets with fast rising rents. Well, you probably don't want to accept section eight because a regular, unsubsidized tenant is often going to pay you more in a slow rental market, Section Eight is better for landlords. Now, some landlords like section eight because it is guaranteed rent income, but some don't like it because they say they get low quality tenants. Well, foreign landlord can rent to a section eight tenant, a person called a case manager inspects the unit, and I think I shared with you before that, the first one that inspected mine, they wrote me up because they said that one of my Windows didn't open all the way. I fixed it, and the tenant stayed two years before they moved. But the average duration of time that a tenant spends in the program is six to nine years. It is supposed to be a short term bridge, but often becomes a long term subsidy people get dependent on the handout. HUD tells us that only one in seven families leave the program due to increased income, and there is a strong stigma around section eight housing, for sure. Who knows? To shake the stigma, maybe they will just change the name of the program. That happens sometimes, sort of like how they changed the name of the food stamps program to snap. And by the way, the link card that she mentioned in the video that is for food assistance. That's actually the name of the snap card in the state of Illinois. Oh, dear God bless America, training her kids to live off the government. I almost feel trashy after thinking about this. I'm probably going to go shower next now. Should the minimum wage be high enough that everyone can afford at least a one bedroom apartment, and therefore people wouldn't need section eight? Well, the federal minimum wage is $7.25 it's been stuck there since 2009 the economic commentator Peter Schiff, who I had lunch with a couple times last month, he and his wife Peter, makes the case that there should be no minimum wage at all. That is government intervention in the free market. If you make the minimum wage too high, people get laid off and people get replaced by robots. That's just what's really happened in practice, if a person can only make the minimum wage, they need to get better, and they need to skill up, is what Peter contends. Now, when I graduated college, I would have thought that premise sounded ridiculous. No minimum wage. But the more I think about it and the more I experience life, it does begin to make more sense. The fresh post collegiate me would have said that, ah, a working human being, they deserve the dignity of a minimum wage. That's livable, but some time and perspective has me saying that you are the one that brings dignity to your work, your earning potential and your life. It's not up to someone else to provide you with dignity. You don't lean on the government for your dignity. Learn more, be better, skill up. You'll be dignified, and you're going to earn multiples more than minimum wage. When it comes to the section eight, mom, everyone would like to live at the expense of the state, but few realize that the state lives at the expense of everyone else. If you'd like to see the video footage of that section eight clip that I played and more of my commentary on it. It's pretty interesting that should be available on our YouTube channel now. The channel name is get rich education. What else would it be for the production team here at GRE? That's our sound engineer, Vedran Dzampo , who has edited every single GRE episode since 2014, QC and show notes. Brenda Almendadadas, video lead, Binaya Gyawali video strategy lead, Talha Mughal, video editor, Sorosa KC and producer me, we'll run it back next week for you. If you'd like the show, please tell a friend about it. I'd really appreciate you sharing it until then, I'm your host. Keith Weinhold, don't quit your Daydream. 36:29 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice if the means of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 36:53 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate. Video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866. 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